Initial Disclosure Document

The Financial Conduct Authority is the independent watchdog that regulates financial services.

It requires us to give you this document to help you decide if our services are right for you. I & S Car Centre registered address is I & S Car Centre, Rackery Lane, Llay Wrexham, Clwyd, LL12 0PB. We are authorised and regulated by the Financial Conduct Authority. Our Financial Services Register Number is 681311.

I & S Car Centre is a credit broker, not a lender. Our permitted business is the supply of finance products connected with the purchase of your motor vehicle. You can check this on the Financial Services Register by visiting the FCA's website at www.fca.org.uk or by contacting the FCA on 0300 500 0597.

About our Finance Services

I & S Car Centre can introduce you to a selected panel of lenders who may be able to offer you finance for your purchase. Each credit provider may have different interest rates and charges. We do not charge you a fee for our services.

Our Finance rates are set from 9.9% APR which are determined on your credit score and your individual credit rating. Typically, the higher your credit score, the lower APR you will receive from a credit provider. From 9.9% APR. We are only able to offer a range of finance products from our providers, which may be suitable for you and we will explain the key features of these products to you. We are NOT independent financial advisors. We will provide details of the products available from the credit providers that we work with, but no advise or recommendation will be made. You must decide whether the finance product is right for you.

We will receive payment from the credit provider for introducing you to them. The amount received could vary by credit provider, this may be a higher amount in relation to certain products compared with other products available. The credit providers could pay commission at different rates. However, the amount of commission paid will not influence the amount you will pay under your credit agreement. Details on the amount of commission are available on request.

Customer Care, Dispute, Resolution and Complaints

We work hard to ensure that the Finance Services we offer are fair and that communication to our customers is clear and not misleading.

However, if you are unhappy, please contact us by one of the following methods:

In writing -

Mr Ian Mills (Owner) I & S Car Centre, Rackery Lane, Llay Wrexham, Clwyd, LL12 0PB. We will answer any complaint as quickly as possible but always within eight weeks.

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

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